Insurance vending machines for travelers at Haneda Airport (below) making it possible to sign up for snow-sports insurance at that moment where your meet the other members of your group and the conversation turns to whether you’re covered or not. Ideal for a day on the mountain in Hokkiado (above).

Is there a point when your insurance premium is calculated in real time – based on a real time assessment of what you do, what you eat, your decisions every step of the way?

And what is the optimal opportunity to sell insurance? Probably that split second after a near miss. Or the split second after a perceived near miss. Wonderful opportunity that – one to be filled no-doubt.